每日机构分析：11月12日

Group 1 - Moody's economist Dave Chia indicates that the Bank of Korea may delay interest rate cuts until Q1 2026 due to high housing prices, household debt pressure, rising inflation, and economic resilience, with the rate decision on November 27 being a focal point [1] - Fitch's BMI report states that India will become the largest beneficiary of green electricity demand for data centers due to supportive policies and cost advantages, with a less than 10% increase in renewable energy capacity over the next five years sufficient to meet new data center demand [1] - The European Business Association warns that if US-EU trade tensions do not ease by the end of the year, it could drag down Eurozone GDP growth by 0.5-0.6 percentage points in 2026, leading to investment contraction and employment pressure [1] Group 2 - Goldman Sachs CEO Solomon warns that the continuous expansion of the US $38 trillion national debt could lead to a "clearing," emphasizing that the solution lies in boosting economic growth (such as through AI and infrastructure investment) rather than increasing taxes [2] - DBS Bank forecasts that India's October CPI may drop to 0.4% year-on-year, the lowest on record, primarily due to falling vegetable prices and favorable base effects, with potential inflation rebound in the coming months [2] - Australian economist Eslick notes that in the past two quarters, investor mortgage loans in Australia surged over 20%, with 83% used for purchasing existing homes, which does not help increase housing supply, calling for the removal of tax incentives to curb speculation and prevent market overheating [2] Group 3 - Morgan Stanley expects the Federal Reserve to cut rates by 25 basis points in December due to a softening labor market, but emphasizes that unexpectedly strong employment data post-shutdown could delay this decision, presenting "asymmetric risks" for investors [3] - A Bank of America survey reveals that nearly 24% of American households have become "paycheck-to-paycheck," with the low-income group rising to 29%, primarily due to wage growth lagging behind increases in housing, food, and other essential expenses [3]